At Alexander Southwell Mortgages, we are an independent fee free mortgage broker based in Romsey, just outside Southampton, helping clients locally and right across the UK. Whether you are buying your first home, moving house, remortgaging or investing in buy to let, we compare 100+ lenders to find deals you won't find on the high street, and our advisers guide you from enquiry to completion.
Good mortgage advice is about more than just findingthe lowest rate. It is about understanding your financial situation, your goals, and your plans for the future, then finding a mortgage product that fits around all of that. Our team takes the time to get to know you properly beforewe make any recommendations. Whether you are buying your first home, moving to alarger property, remortgaging to save money, or looking at a buy to letinvestment using rental income, we provide advice that is tailored entirely to you. We do not believe in a one size fits all approach, because no two clientsare ever in exactly the same position.
Support with affordability, deposit options, lender criteria and the full application process. Whole of market brokers to help you.
Whether you want a better rate, to raise funds, or review your current deal, we can help you compare suitable options.
Moving home can be stressful. We help you understand your borrowing position and secure the right mortgage for your next property.
Advice for first-time landlords and experienced investors, including product comparisons and lender criteria. We find the most suitable mortgage for you.
We help sole traders, limited company directors, contractors and CIS applicants find lenders suited to their income structure. Your mortgage broker can communicate with your accountant to help the process.
Need help with adverse credit, shared ownership, new build or key worker schemes? Our team can guide you through more complex scenarios too.
We make mortgage advice straightforward, personal and easy to understand. Our advisers search a comprehensive range of lenders and recommend the most suitable option based on your circumstances, preferences and long term goals.
As a fee free mortgage broker, we don't charge for advice on the vast majority of residential mortgages, remortgages and buy to let cases. From your first call right through to completion, our support costs you nothing. Loans under £100k carry a £299 fee, payable only once you have a mortgage offer, and a small number of complex cases carry a fee of up to £995. We always tell you upfront.
We think that is the way it should be. Everyone deserves proper professional advice, whatever their budget. Not every broker works this way. Some add arrangement fees, broker fees or admin charges on top. We don't. Choosing a fee free mortgage broker means whole of market advice from a team that cares about getting it right, without a bill at the end.
Our office is in Romsey, about 15 to 20 minutes from Southampton city centre, so many of the people we help live in the city or are trying to buy here. We advise clients right across the UK, but if you are in Southampton, this is the local knowledge our Southampton mortgage advisers bring to your case.
Shirley and Freemantle are full of Victorian terraces and are where many first time buyers get onto the property ladder. Bassett and Highfield offer bigger family homes, while Bitterne, Woolston and Sholing usually give you more house for the money. Ocean Village and the city centre are mostly flats.
Many of our Southampton clients work at the port, the two universities or University Hospital Southampton. Overtime, shift allowances and fixed term contracts are treated very differently from one lender to the next, so choosing the right lender can change how much you can borrow.
City centre flats are the cheapest way in, but some lenders are cautious about high rise blocks, small floor areas and short leases. New builds have their own rules on offer deadlines and developer incentives. We match the lender to the property before you apply.
The ONS puts the average Southampton price at £236,000 (July 2026, provisional), with first time buyers paying around £210,000 and flats around £153,000. We also help buyers in nearby Eastleigh, Romsey, Winchester and the New Forest.
Yes. We are a fee free mortgage broker based in Romsey, about 15 to 20 minutes from Southampton, and we are fee free on over 90% of the mortgages we arrange because the lender pays us. There is a £299 fee on mortgages under £100,000, and complex or adverse credit cases can carry a fee of up to £995, always agreed in writing before we start.
I'm Jamie, and I set up Alexander Southwell in 2019 after years working as a mortgage broker in Southampton and across Hampshire. Most people who ring us are first time buyers, home movers or homeowners whose fixed rate is ending, and the first thing I tell them is that the whole process doesn't have to be a headache. Stress free is the aim. Our Southampton mortgage advisers and the rest of our experienced team do the chasing, so you don't have to.
What we really do is match your individual circumstances to the right lender before anything is submitted. Different lenders have very different mortgage requirements. If you're self employed, some want two years of trading history and others will work from one year of tax year overviews. Some are relaxed about a blip on your credit history and some aren't. The property type matters too. Flats come with their own property criteria, like lease length and the remaining lease term, and if you're buying through a limited company the ownership structure changes which lenders will look at it. Getting that right first is what stops a mortgage application being declined.
For a first time buyer, we'll usually ask for your last three months of payslips and bank statements, plus business bank statements if you run your own company. Then we compare the mortgage product, the interest rates and your monthly repayments across UK lenders, not just the headline rate, so you can see the real monthly payments side by side. If you already own and want to borrow for home improvements, or you're moving to a new lender, it works the same way. That's independent mortgage advice in a nutshell: you tell us what you need and we tell you straight what's realistic.
We cover Southampton and the rest of the UK, and we know the Southampton market well because it's on our doorstep. If your situation is a bit complicated, that's fine too. Complex circumstances are exactly where experienced mortgage brokers earn their keep, because we know which lenders will take a proper look and which will offer competitive rates for your situation.
Buying, moving or remortgaging in Southampton? Call 03300 432 428 for fee free mortgage advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Working With a Mortgage Adviser Who Is on Your Side
When you work with a mortgage adviser at AS Mortgages,you are working with someone who is entirely in your corner. We are independent, which means we have no loyalty to any particular lender.
Our only job is to find you the best deal available for your situation. Your adviser will take you through everything clearly, from explaining how different mortgage rates work to helping you understand early repayment charges, mortgage term options, and what your monthly mortgage payments will look like both now and if interest rates change.
We want you to feel genuinely confident in your decision, not just told what to do. We handle the entire application process on yourbehalf. Once you have chosen your mortgage, we take care of all the mortgage paperwork, liaise with your chosen lender, and chase progress so you do not have to. The entire process is managed by us, so you can focus on the exciting part:
Moving into your new home.
A Different Kind of Mortgage Appointment
From the moment you book your initial consultation, you'll notice the difference. Our knowledgeable mortgage advisors take the time to truly understand your personal circumstances, your deposit, what you can afford, your credit score, and your specific needs, before making any recommendations.
We don't believe in a one-size-fits-all approach. Whether you're a serious buyer ready to submit a mortgage application, someone looking to discuss remortgage deals, or you're just starting to explore your mortgage options, we'll discuss everything in depth and present you with clear, impartial guidance tailored entirely to you.
And because mortgage brokers charge nothing to their clients, our expert advice is completely free. We're paid by your chosen lender, meaning you get a professional, FCA regulated service at no cost whatsoever.
Tell us about your plans, your current situation and the type of mortgage you need.
We assess your circumstances and search suitable lenders and products from across the market.
Once you are happy to proceed, we manage the application and support you through the next steps.
We liaise with lenders, solicitors and other parties to help keep everything moving.
Contact Alexander Southwell Mortgage Services today
The mortgage market has changed enormously in recent years. You no longer need to walk into a local bank or sit across a desk from an estate agent to get mortgage advice. As a free online mortgage broker, wecan work with clients wherever they are in the UK, at times that suit them. We offer video appointments, phone consultations, and email support, so the mortgage process fits around your life rather than the other way around. If you are based in Romsey or need a mortgage broker in Southampton, we are always happy to meet in person too. But the flexibility of working with an online mortgage broker means that geography is never a barrier to getting the right advice.
Online does not mean impersonal. We pride ourselves onbuilding real relationships with our clients, offering ongoing support long after your mortgage completes. Many of our clients come back to us when their fixed rate ends, when they move home, or when they want to explore additional borrowing. We are here for the long term, not just the transaction.
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